Most homeowners’ insurance policies will cover much, but not all, of the damage associated with extreme weather. But home insurance coverage varies depending on the insurer. A property insurance policy will cover the loss or damage to a dwelling building and personal property caused by insured perils. For the most part, weather-related insurable perils include water damage, lightning, electrical currents, windstorms and falling object.
But many losses are not covered by insurance due to weather-related damage, and these often include water damage caused by floodwater, repeated or continuous water seepage, sewer back up, damage to antennas and satellite dishes as a result of wind or hail, damage from freezing outside the home and damage caused by earthquakes. Sewer back-up and earthquake coverage can be purchased separately to add protection.
To determine whether or not your policy covers these and other potential losses, refer to your policy’s wording, or ask a Moore-McLean Insurance Group representative for a thorough review of your insurance needs. We’re here to help.